Author
Bowtie Team
Updated on
2025-06-19
Disclaimer: This article is translated with the assistance of AI.
If you have endometriosis, can you still qualify for VHIS? Discover if extra premiums apply and get Bowtie’s expert breakdown on underwriting rules.
What is Endometriosis?
Endometriosis is a condition where the endometrial tissue grows outside the uterus, forming ectopic endometrial tissue or cysts. It is a common gynecological disease, with an estimated over 200,000 patients in Hong Kong .
The causes of endometriosis are unknown. Currently, patients mainly relieve symptoms through pain management and hormone therapy. If the condition is severe, surgery can be used to remove the ectopic tissue and cysts.
Recurrence Rate After Chocolate Cyst Surgery
“Chocolate cyst” is a type of endometriosis. Medical literature mentions that the recurrence rates after surgery are approximately 21.5% at 2 years and 45% at 5 years.
Endometriosis Underwriting Considerations
1. What treatment has the insured undergone? (Including medication/surgery)
We will assess the treatment methods the insured has undergone, such as whether surgery or medication was involved. If surgery was performed to remove the tissue, we will consider the diagnostic results from the pathology tests.
2. Has the insured fully recovered? Are there any aftereffects or complications?
We will consider the extent of the insured’s recovery, such as the date of full recovery and whether there are any aftereffects or complications.
Endometriosis Underwriting Outcomes
1. Successful Insurance Application
If the insured has undergone surgery for complete removal and has fully recovered for a specified period (for example: 3 years) without any aftereffects, coverage can be provided at standard premiums.
2. Successful Insurance Application, but with Increased Premiums and/or Exclusions
If the insured has not undergone surgery for removal, the insurance company may still consider the application, but premiums may be increased (commonly known as loading) and/or certain exclusions may apply based on the circumstances.
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